Latest / The Assumable Guy Show
What is the Difference Between FHA and VA Assumptions?
Both FHA and VA loans are assumable, but the rules are different enough that knowing which one you are dealing with changes your entire strategy. Ryan breaks it down clearly. FHA is open to basically anyone who qualifies, carries a roughly 90% acceptance rate, and is the better tool for owner-occupants and house hackers. VA is more flexible in one big way: if the seller leaves their entitlement, there is no occupancy requirement at all, meaning an investor can rent it out from day one. He also kills the myth that VA loans can only be assumed by veterans, walks through Jeremy's deal where a…
The skinny
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